行为外部性内部化的隐私问题

Q2 Social Sciences

Society and Economy Pub Date : 2020-12-04 DOI:10.1556/204.2020.00030

M. Jeffers

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引用次数: 0

摘要

过去，保险提供者别无选择，只能承担投保人的行为外部性。新技术加上低风险消费者的激励使公司有可能在行为风险的基础上进行价格歧视，从而使行为外部性内在化。虽然成本内部化通常是一种积极的发展，但采用行为跟踪技术也带来了新的经济和社会成本。本文探讨了在各种保险设置中采用行为跟踪技术的经济和道德权衡。

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The privacy problem for internalizing behavioral externalities

Providers of insurance used to have no other choice than to absorb the behavioral externalities of their policy-holders. New technology coupled with the incentives of low-risk consumers has made it possible for firms to price-discriminate on the basis of behavioral risk and thus internalize behavioral externalities. While cost-internalization is generally a positive development, the introduction of behavioral tracking technologies also introduces new economic and social costs. This paper explores the economic and moral trade-offs of adopting behavioral tracking technologies in various insurance settings.

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来源期刊

Society and Economy Social Sciences-Sociology and Political Science

CiteScore

1.50

自引率

0.00%

发文量

审稿时长

28 weeks

期刊介绍： The double-blind peer-reviewed journal publishes original research articles and book reviews in the fields of economics, social sciences, and business studies, which address social and economic issues in Central and Eastern Europe or have relevance for social and economic development in this region. While it welcomes articles from the international academic community, Society and Economy seeks in particular to provide an international forum for scholars working in the research traditions of this region. The journal welcomes submissions of high-quality and multi-disciplinary articles that address social, demographic, political, economic and industrial trends and challenges. Society and Economy is a gold open access journal since 2019 but authors are not requested to pay an article processing fee.